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...decide which cards to use when you are out shopping/running errands???
I find myself shuffling through the cards in my wallet trying to decide which card to use while the cashier is scanning! I sometimes go through all of my cards before I make up my mind! This is what happens when you have too many rewards cards lol
I've created a spreadsheet for reference.
And sometimes it complicated by short term rewards such as $100 for $500 spent in 3 months.
I give my wife simple instructions, keep her to 3 cards tops, and rotate them out as needed
FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.
BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k
Yeah, the set categories are the easy ones since I can plan around it. Its the "everything else" that is harder since I am thinking about my current balance on the card, the closing date, etc while I am standing in line. I guess I should just rotate them and be done with it lol
I usually make up my mind every month on which cards to use for what, and mostly follow it.
I'm always running the statement cut dates though my mind when I'm in the checkout line. I don't want to have something report a balance that I'm not expecting!
Just set no brainers out.
Small purchases for me Chase Freedom for 10 for 10 bonus (grandfathered in)
Gas Amex Starwood
Groceries Amex BCP
Restaurants Chase Sapphire Preferred
Amazon Citi Forward (yes I'm still getting 5x)
massage parlors at 2am Amex gift cards =) jk
@android01 wrote:I'm always running the statement cut dates though my mind when I'm in the checkout line. I don't want to have something report a balance that I'm not expecting!
I know exactly what you mean. I do the same lol